Debt-to-Income Ratio Calculator
Your monthly debt payments as a percentage of your gross monthly income.
Result
Debt-to-income (%)
20.0
How it works
DTI = monthly debt ÷ monthly income × 100
Lenders use the debt-to-income ratio to judge how much of your income already goes to debt. Many cap it around 33–43% for a new loan.
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Frequently asked questions
What is a good DTI?
Below 33% is generally comfortable; many lenders refuse above ~43%.
What counts as debt?
Loan, mortgage, credit-card and other fixed monthly repayments — not regular living expenses.
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